Re: Cap 1 customized offer Never Heard of This

You've posted this same thread like 3 times already.. AU probably won't help just app for the card already. Again I don't understand why you want a Capital One subprime starter card when you have Discover and Citi but to each his own.

Re: Cap 1 customized offer Never Heard of This

I understand but if your an AU for a day and apply for the card how would that make a difference? You would have to be an AU for like 6 mos for it to maybe make a difference. If your worried about your CLI with Citi you should focus on lowering your util%, not apping (too many new accounts as possible decline for Citi CLI).

Want to lower your util%? Call Walmart UW and request them to increase your CLI to like $2500 - $3k it's a SP

You would be more likely to get your Citi CLI that way because they would be more willing to match your limit on say, Discover if more lenders trust you with higher TLs. Whereas Cap One will probably approve you for $750 and after your 5th statement give you a $250 CLI so how will that help you with Citi? That shows them lenders don't want to trust you with higher TLs.

And Discover is your highest limit - you can't expect them to CLI you when you don't have any other limits close to theirs...

Re: Cap 1 customized offer Never Heard of This

Don't do it online as you get denied all the time usually. I would call Wal-Mart: 800-480-0205 (personal accounts) on Monday and request a CLI to like $3k. I called that number last week and successfully went from $900 to $2500 on a SP they put me on hold like 5 minutes and came back instant approved.

Also if your looking for another card I would apply for either a Chase Slate or Freedom. I got my freedom with like 20 inqs across all reports with a 650 EX Fico. If you don't feel confident about the Freedom app for the Slate as it's not as hard to get approved for and ask for a PC in 6 mos to the Freedom - much better than a Cap One. Also Freedom is 0% for 15 mos on purchases - unsure about BT and like $150 back after $1k spending in 3 mos. But remember to get util below 10% and have it report before you app.

But seriously call that number I gave you for Walmart tomorrow and request a CLI - you will get it depending on how long you've had your card.

Re: Cap 1 customized offer Never Heard of This

That number is gold. I got an auto cli from Walmart in October of this year. It went from 1300 to 2600. I called that number the same day and asked for a cli. They asked what I wanted my limit to be and I said 8000. They asked a couple questions and said please hold. They came back 2 minutes later and said congratulations your new limit is 8000. That number is the direct line to the underwriters. Call again and just say I'm calling for a credit limit increase on a Walmart card. It's simple and only a soft pull.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.